# Rialto: Money & Investments — Accounts, Budget, Net Worth

> Accounts, Budget, Net Worth (iPhone/iPad app by Nicolo Marinangeli.)

- Source: https://appshunter.io/ios/app/rialto-money-and-investments/id6804364683 (this page in markdown: same URL + `.md`)
- Developer: [Nicolo Marinangeli](https://appshunter.io/developer/6804364685)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 21 MB
- Languages: American English, Italian
- Released: 2026-09-04
- Data updated: 2026-09-13
- User reviews in markdown: https://appshunter.io/ios/app/rialto-money-and-investments/id6804364683/reviews.md

## What is Rialto?

Rialto keeps the books for you.

You pay for coffee with Apple Pay and the expense is already recorded: on the right account, with the category worked out, without opening the app. It is the only part you set up once — the app walks you through it in three minutes — and after that you touch nothing.

WHAT YOU SEE EVERY DAY
- What you have, what went out today, what is left of the budget
- A budget you can keep per category, as a single ceiling, or as envelopes per account
- A month that starts on payday instead of the first, because that is the span a given sum has to cover
- An end-of-month forecast built on your own pace, not on a generic average

ALL OF YOUR MONEY
- Current accounts, cash, cards, savings accounts
- ETFs, shares, bonds, crypto and metals, with prices that update themselves and coupons that credit themselves
- Recurring investment plans that record themselves when they fall due
- An emergency fund measured on the spending you genuinely could not cut

YOUR BANK STATEMENT, IN TWENTY SECONDS
Import CSV, Excel (.xlsx and .xls), OpenDocument and exported Numbers files. Rialto works out the columns by itself, spots duplicates and lets you choose what to keep. Export to CSV whenever you like, no permission needed.

THE COACH, IF YOU WANT IT
Questions about your numbers, answered with your numbers. On iPhones with Apple Intelligence it runs on the device, with no key and no network. Or connect the model you prefer with your own key, or one running on your own computer. Set up nothing, and no request ever leaves.

WHERE YOUR DATA LIVES
On your phone. If you turn on iCloud, in your iCloud too. There is no account to create, no Rialto server and nobody looking: whoever develops the app never receives a single number. The backup is a file you take with you.

FREE FOREVER
Recording transactions, categories and budgets across three accounts. The charts, the statistics, the CSV export. No limit on how many transactions, no expiry date.

RIALTO PRO
Unlocks what works in your place: expenses that record themselves through Apple Pay, prices that update, the coach, Home Screen widgets, unlimited accounts, full backup and restore, and the month that follows your salary. Monthly or yearly, or a single payment. If you ever stop, you lose nothing you have written: only the automations stop.

ON YOUR WRIST
The Apple Watch app shows what is left to spend until payday, the expenses waiting to be confirmed, your net worth and your balances. Cash spent at the bar goes in with a turn of the Digital Crown, without taking the phone out. Complications put the figure on your watch face.

Terms of Use: https://nicolomarinangeli.github.io/termini/
Privacy Policy: https://nicolomarinangeli.github.io/privacy/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rialto Pro Monthly | $2.99 | per month |
| Rialto Pro Yearly | $17.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rialto Pro Lifetime | $34.99 | one-time |



## Version history (last 5 releases)

### 1.1.8 — 2026-09-12

TODAY
• An expense that's already recorded but still needs a category now shows up in the card at the top, with its button, just like the ones waiting to be confirmed. Before, only the "To confirm · 1 expense" label appeared, with nothing underneath.

TO CONFIRM
• The card for an expense without a category is redesigned. At the top are the merchant and the amount, then what the AI understood and the two most likely categories, each in its own colour. One tap on a category assigns it and teaches the rule, without opening another screen.
• Below the suggestions, when there is one, a line says where the first comes from: a similar expense you already put in that category, or the word in the name that gives it away.
• In the "Logged automatically" list, expenses are deleted by swiping the row to the left or with "Edit", instead of a bin on every row.
• At the top of the screen, two lines of text replace the yellow box.

PICKING FROM A LIST
• The sheets for choosing a category, a subcategory or an account open at full height. Before, part of the page behind could be read below the edge of the sheet.

THE COACH
• The figures at the top sit in rows of three: with five of them, three on top and two just below, centred and all the same width. They used to be two per row, with the last one alone on a third row.

### 1.1.7 — 2026-09-11

CATEGORIES, REBUILT
• The list isn't just names any more: under each one are the subcategories you use most, and on the right how much has gone out this month against the cap you set.
• A category's page starts with its name, large, with its tile beside it — and underneath, how many transactions it holds and how much you've spent so far.
• The cap is no longer a shot in the dark. Next to the field is your average from past months and a line that says what that number means: what's left for the rest of the month, or that with that figure you'll go over almost every time.
• The budget bar changes colour as you get closer: green while you're comfortable, amber past three quarters, red once you're over.
• Subcategories live in their own sheet: type them, drag to reorder, swipe to delete. Renaming one carries the transactions already filed under it, instead of leaving them with nothing.
• Icon and colour sit in a drawer that opens only if you need it — most of the time Rialto picks them.

THE NAME IS ENOUGH
• Creating a category, typing "Gym" lights up the dumbbell and the green, and suggests Membership, Classes, Gear. They're dotted: one tap adds them, if you want them.
• It isn't AI: it's a table of words, free and offline, that knows a couple of dozen cases in English and Italian.
• If a category by that name already exists, the app says so while you type instead of letting you make two of them.

FIXED EXPENSES
• A fixed expense can have its own subcategory too: "Netflix" under Subscriptions becomes Streaming, and every instalment written automatically is born with it.
• "Where it lands" is now the same row of pills as the rest of the app: category and account in their own colours, subcategories appearing when you tap the category.

PILLS THAT NO LONGER CUT NAMES IN HALF
• How many fit in a row is decided by the width, not by a fixed number: with long names one fewer fits and the rest move behind the circle, whole. "Everyday" used to become "Everyd…".
• In the coach, the figures at the top wrap and stay centred, all the same width.
• When choosing a category, each name carries its subcategories underneath: you find the right drawer without opening three.

A SHORTER TUTORIAL
• The name question is gone: it only existed to greet you, and it cost a screen to everyone opening the app for the first time. The tutorial now ends on the last real step.

FIXES
• An incoming fixed expense lost its category the moment you opened it: the page came up empty, and saving lost it for real.
• Deleting a subcategory left it written on fixed expenses, which kept using it for future instalments.
• Deleting a category left fixed expenses and learned rules hanging off a category that no longer existed, and transactions written afterwards came in with none.
• If two categories already had the same name, opening one left "Save" greyed out with no way to tell why.
• In the coach the two buttons at the top right each sit in their own circle, like the one on the left.
• With a salary cycle set, the average of past months counted half a month as a whole one and came out lower than the truth.

### 1.1.6 — 2026-09-10

A NEW LOOK
• Rialto is rebuilt with iOS 26 glass: floating bars that let the content scroll underneath, translucent cards on a paper ground. The bottom bar is the system one, so it keeps up with iOS on its own.

THE CATEGORY, ASKED TO THE MODEL
• In "New expense", next to the category, an "AI suggestion" button: it reads the name you typed and picks from your categories. It earns its place on names that don't say the trade — "Da Gino", a surname — where the app's own rules have nothing to hold on to. Off while the name field is empty.
• Categories and accounts are pills that stay put: the ones that fit, and a dot saying how many are left. The full list opens from there, with search, and under each category are the subcategories you use most.

THE COACH STARTS BY ITSELF
• At first sight it says what it's missing and lets you pick the model right there: Apple's, on the phone, with no key — or Gemini, OpenAI, Claude.
• A six-step guide takes you from the website to the key pasted in, with the real screens and without leaving the app.
• The list of models is asked to the provider, so it no longer goes stale inside the app.
• With no model connected you can still write expenses by hand, with no key and no network: now it says so, instead of just not answering.

THE TUTORIAL, REDONE
• Six steps, one per thing, with the Pro trial at the second and your name at the end.
• You can close it whenever you like and pick up from the step you left.

EDITING A TRANSACTION
• It's a page that slides in, not a jump: categories and accounts are pills in their own colour, and subcategories appear when you tap a category.
• Date and time on the same row; the whole list, with search, sits behind "···".
• The keyboard closes by scrolling down, everywhere in the app.

WHERE THE CHANGE COMES FROM
• The pill under net worth opens and explains it: expenses, income, money moved into investments, and prices moving on their own.

THE EXPENSE THAT'S WAITING, RIGHT AT THE TOP
• On Today the first expense to confirm shows up with its own button: one tap closes it and the next takes its place, without leaving the screen.
• If it needs a look — guessed category, guessed account — the button says "Review" instead of "Confirm".

RECURRING EXPENSES AND CATEGORIES
• A recurring expense is edited like a transaction: big amount, due date picked on the spot, and what it adds up to in a year underneath.
• Mechanic and Vehicle inspection have a box of their own.
• A subcategory is learned only where it really repeats: at the supermarket you don't buy the same things every time. When it's missing, you pick it with one tap among the expenses to confirm.

APPLE PAY
• The guide is redone, with the film opening at half screen so you can watch it without losing sight of the page.

SETTINGS, REDONE
• Intelligence shows the two models, today's usage and tests the connection from there.

HONEST NAMES
• The "Expenses" tab is called "Transactions": it already held income and transfers too.
• "Show wealth" can be turned off: the tab leaves the bar and Today shows cash only.

ON THE WRIST AND IN WIDGETS
• The watch app is redone: what's left with its bar, the button to note an expense, and Today, Transactions, Wealth, Accounts and the coach.
• Expenses arriving from Apple Pay are approved from the wrist, and the coach answers there too.
• On iPhone, the Lock Screen widgets: budget share, what's left, today's spending.

FIXES
• The widgets and the watch speak the language chosen inside Rialto, not the phone's.
• The "Delete" popup comes out of the button that called it, not the edge of the screen.
• With wealth turned off the curve on Today disappeared; and when the total doesn't move, it now says "unchanged".
• In "New expense" the message saying what the receipt scan found never appeared.
• The wealth widget, with the tab turned off, led to a blank page with no way out.
• "What it knows about me" reads row by row, word on the left and number on the right.

### 1.0.4 — 2026-09-07

IMPORTING YOUR STATEMENT
• One step fewer: when Rialto recognises the file, the column matching screen is skipped. The top of the preview says how it read them, and how to change them.
• "Don't change the current balance": when you import your history, the account balance stays the one you really have at the bank. It used to drop by the whole statement, and you had to put it back by hand.
• Shop names read better. Banks write a whole sentence: Rialto now pulls the shop out of it, dropping boilerplate, abbreviations, dates, card masks and the payment terminal's name.
• The category catalogue grew by almost four hundred shops and trades.
• Movements in a currency other than yours arrive unselected, with the reason: Rialto doesn't convert, and importing them would write the wrong figures.
• Two identical expenses on the same day no longer cancel each other out: before, if one was already recorded, both disappeared.
• You can undo the last import, and the balance goes back to what it was.

THE APPLE PAY AUTOMATION
• Card payments only ever come in as expenses. Some terminals — tolls, turnstiles, vending machines — send the amount with a plus: those expenses came in as credits and the balance went up instead of down.
• If an expense comes in the wrong way round, one tap sets it right. And expense or income can now be changed from the movement's own page.
• Income looks like income: amount with a plus and in green, on the widget and the watch too. From there it can no longer be approved blind.
• At the fuel pump, at hotels and car rentals the card puts a hold on your money and closes the bill hours later: what arrives is a zero-euro expense. The card now explains it instead of looking broken.

FIXES
• The wealth chart no longer has an empty triangle in the middle of the curve.
• In Accounts, "this month" under the balance also counted expenses dated in the days ahead, which the balance above doesn't count: two different numbers for the same account.
• "Confirm" on an expense with no category looked like it did nothing: the expense really did go into your accounts, but stayed on screen the same as before.
• A category parked there so the money isn't lost no longer becomes a decision: it used to enter your history and beat the catalogue on the next import. Imports you already did are repaired on opening.
• An expense from the automation could teach the wrong rule when approved from the widget or the watch, where the category isn't shown.
• The widget says when the numbers are from another day, as the watch already did.
• One-tap category suggestions on already-recorded expenses too, where they were missing.
• A card payment at a turnstile or a toll booth now suggests transport first.
• "Spent 5 euros on 2 coffees" said to Siri recorded two euros.
• Notices in the "To confirm" screen no longer stack on top of each other.
• The emergency fund no longer counts a fixed expense twice when it's named differently in your archive.
• Amounts and balances all go through two decimals.
• Deleting a movement now also removes the notes it carried.

### 1.0.3 — 2026-09-05

Six new features, one more section and four days on the things you use every day: the Apple Pay automation, the right category first time, numbers that add up.

SIX NEW FEATURES
• Import a PDF bank statement: Rialto reads the movements from the bank's file, scanned ones too, and shows them in the same preview as CSV files.
• Export history as PDF: a monthly report with totals, categories and movements, to share or print. Works for expenses, income and transfers.
• Dictate to the coach: tap the microphone, speak, and the text lands in the field ready to send.
• The coach also creates budgets and goals: «budget 300 for restaurants», «goal holidays 2000 by June», with a card to undo if I got it wrong.
• Automatic backup: choose how often (daily, weekly, monthly). Copies live in Rialto's folder in Files, the latest ten.
• If a model does not answer, Rialto switches on its own to the fast model and then to the on-device one, and tells you which one answered.

MORE NEW THINGS
• Income and transfer history: in the Expenses tab, three tabs under the title — Expenses, Income, Transfers — with the month in line with the title and search below. Income gets its own breakdown and six months of history; transfers show on two tiles how much you moved between your accounts and how much into investments, with the month's routes.
• The category arrives with the payment, even with the phone locked — not at the next launch.
• When the AI finds no category, it says what the place is («self-service car wash») instead of a question mark, and the suggestions under an expense match that expense.
• Recognised cards are managed inside the account card, with a «−» to remove one and a confirmation. Cash accounts no longer have Apple Pay.
• Settings regrouped in three sections, account card with a header, currency symbols in the list, a single «Guide» entry.
• Apple Watch: expenses logged from the wrist come in right away, even with a confirmation queued.

APPLE PAY AUTOMATION
• A card delivered as digits only («•••• 3909») is now learnt by correcting the account once.
• A refund comes in as income to confirm, not as one more expense.
• «Expense to complete» never becomes a rule, and two zero-amount pre-authorisations no longer merge.
• The same card name on two accounts asks instead of guessing; a rule no longer sends a card payment to cash.
• Confirmations from the widget and the notification no longer teach an account nobody looked at.

INTELLIGENCE
• If online search is used up for the day or does not answer in time, Rialto answers right away without searching instead of stopping.
• Provider limits are stated clearly: which model, how much, when to retry.
• «Test connection» tests both models; when the fast model answers instead of the coach, it says so.

THE NUMBERS
• The «current» balance no longer counts movements dated tomorrow.
• The comparison with last period no longer double-counts today's expenses when the previous month was shorter.
• Two fixed expenses with the same name stay two; investment plans no longer pay into archived accounts; the emergency fund does not count a closed account.
• Dates like «03/09/26» and amounts like «1,200 CHF» read correctly in imported files.

MERCHANTS
• About three hundred more merchants recognised on their own, from chains to POS names with codes. «CAFFE'» becomes «Caffè», «McDonald's» is spelt that way.

Also: the widget restarts at midnight, Change PIN without the tab bar, «Erase everything» that updates widget and watch at once.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*